scholarly journals Securitization as a method of managing the liquidity of a commercial bank

2020 ◽  
pp. 33-40
Author(s):  
Aleksandr Andreevich Sidorov
Keyword(s):  
Commercial Bank ◽  
Russian Federation ◽  
Commercial Banks ◽  
Financial Risk ◽  
Banking Sector ◽  
Banking System ◽  
Business Environment ◽  
Scientific Methods ◽  
Banking Activity ◽  
The Russian Federation

The financial system of the Russian Federation is currently facing deterioration of the conditions of external business environment. The spread of the coronavirus infection COVID-19 turned 2020 into the most difficult year for development of banking system of the Russian Federation. This article is dedicated to the research analysis of practical role of securitization as a mechanism and method used in management of the internal liquidity of a commercial bank. The relevance of this study is substantiated by the need to improve the mechanisms of financial risk management, which emerge in activity of credit institutions that experience a shortfall of internal liquidity of the assets. Methodological framework is comprised of the general scientific methods of cognition of economic phenomena, which allowed viewing the relevant tools of managing the liquidity of commercial banks and indicating most topical issues and barriers. The research is based on the combination of normative and positive analysis, principles of uniformity of historical and logical, as well as analytical approach towards studying the economic phenomena that reflect the contradictory nature of social processes. The article examines the relevant problems of formation of the internal liquidity of banking sector of the Russian Federation; as well as theoretical aspects of the concept of “liquidity” of a commercial bank. Description Is given to the mechanism of managing the liquidity of a commercial bank. The author considers the fundamentals and characteristic of securitization as a method of managing liquidity of a bank, and lists the advantages of using securitization in ensuring internal liquidity of banking activity. The benefits of securitization as a method of managing the liquidity of commercial banks in the Russian Federation are analyzed.

SOCIAL RESPONSIBILITY OF COMMERCIAL BANKS IN MODERN CONDITIONS OF DEVELOPMENT OF THE RUSSIAN BANKING SYSTEM

2016 ◽  
Vol 11 (1) ◽  
pp. 49-56
Author(s):  
Иванова ◽  
Anna Ivanova
Keyword(s):  
Social Responsibility ◽  
Russian Federation ◽  
Commercial Banks ◽  
Banking Sector ◽  
Banking System ◽  
Strategy Of Development ◽  
The Social ◽  
The Russian Federation

This article is devoted to the study of social responsibility of commercial banks. The author discusses the main challenges, mechanisms and trends in the development of social responsibility of the banking sector. Results of the research allow to conclude that the principles of social responsibility is currently not fully implemented in the strategy of development of domestic commercial banks, and the level of social responsibility of commercial banks is still quite low, as the level of trust of Russians to banks. The article examines some essential aspects of the development and formation of the social responsibility of commercial banks in the Russian Federation.

scholarly journals Analyzing Impact of Computer Attacks on the Banking System of the Russian Federation

2019 ◽  
pp. 202-210
Author(s):  
A. A. Salcutan
Keyword(s):  
Russian Federation ◽  
Banking Sector ◽  
International System ◽  
Banking System ◽  
Russian Economy ◽  
Computer Attacks ◽  
The Russian Federation ◽  
The Impact ◽  
Swift System

The article analyzes damage caused by attacking finance organizations in the Russian Federation through activization of hacker groups. The mentioned attacks were mainly directed at banking cards’ processing, cash machines and the SWIFT system, an international system of transmitting finance information and payments. The growth in hacker penetrations can be seen in all sectors of Russian economy, it is based on informational confrontation and aims at destabilization of considerable objects of critical information infrastructure. Today special attention is paid to attacks of hacker groups, which get financing from states and criminal groupings in order to exert influence on the leading banks of the world. The author investigated the key methods of attacks of finance organizations. The role of the Federal service on technical and export control and the Department of information security of the Bank of Russia was described. By assessing the impact of computer attacks the author came to the conclusion that the Russian banking sector is vulnerable to computer attacks on informational systems that could cause damage not only to small but also big credit organizations, which possess over 60% of the Russian banking sector assets.  

scholarly journals Participation of Foreign Capital in Banking System of the Russian Federation

2018 ◽  
Vol 9 (3) ◽  
Author(s):  
Larisa Tatarinova
Keyword(s):  
Russian Federation ◽  
Banking Sector ◽  
Foreign Capital ◽  
Banking System ◽  
Foreign Investments ◽  
Political Situation ◽  
The Russian Federation ◽  
National Banking System ◽  
National Practice

Changes of them political situation in the world, introduction of economic sanctions in regard to the Russian Federation have changed the situation in banking system and have had an impact on the banks activities with foreign participation. The article examines possible variants of foreign capital in the banking system of the Russian Federation, presents the foreign and national practice of the Bank of Russias regulation of foreign investments into the banking sector beginning from 1991 till present. It shows the foreign capital role in own funds (capital), in assets of the Russian Federation banking sphere, in attracting monetary funds of private and legal entities in crediting the real economic sector. It notes that against the general background of decreasing number of the credit organizations of the Russian Federation there is a decrease of the number of the banks with foreign participation, their structural subdivisions. Beginning from 2013, there is a decrease of the foreign capital share. The aggregate charter capital of the national banking system manifests negative trends and other indicators of the banks activities with foreign participation. Beginning from 2014 and up till now, the role of the banks with foreign participation in the banking sector of the Russian Federation is beginning to go down.

scholarly journals Trends in the development of the banking system in the Far North of the Russian Federation

2020 ◽  
Vol 210 ◽  
pp. 13041
Author(s):  
Lyudmila Pushkareva ◽  
Mikhail Pushkarev
Keyword(s):  
Russian Federation ◽  
National Economy ◽  
Commercial Banks ◽  
Banking System ◽  
Financial Resources ◽  
Real Sector ◽  
Political Situation ◽  
Far North ◽  
The Russian Federation

In this paper, the author summarizes the main problems that have to be solved by regional commercial banks and, in particular, banks in the Far North and equivalent territories in the current political situation and conditions of economic sanctions. The country's banking system is not adequate to the needs of the national economy and is unable to provide resources for the country's modernization. The ability of banks to finance the needs of the real sector is significantly constrained by the lack of long-term and cheap financial resources from the banks themselves.

Conceptual provisions of management percentage risk in international practice

2021 ◽  
pp. 205-218
Author(s):  
Valentin Yur’evich Vakhrushev ◽  
Andrey Viktorovich Zakharov ◽  
Mikail Bekzadaevich Khudzhatov
Keyword(s):  
Russian Federation ◽  
Commercial Banks ◽  
Banking System ◽  
Developed Countries ◽  
Central Banks ◽  
Interest Rate Risk ◽  
Global Banking ◽  
The World ◽  
The Face ◽  
The Russian Federation

In the face of the COVID-19 pandemic world banking system is being severely tested. The last time such shocks occurred during the global fi nancial crisis of 2008–2009. However, the crisis of the global banking system in 2020 caused by the COVID-19 pandemic is very diff erent from the global fi nancial crisis of 2008–2009. During the previous global fi nancial crisis, central banks around the world were able to cut key rates to stimulate the aff ected economy, while the current crisis is taking place in conditions of extremely low and even negative key rates. Consequently, the central banks of the economically developed countries of the world lack one of the most eff ective tools to stimulate the economy in the face of a global crisis. Since the maximum income of commercial banks is generated by the operation of high key rates, the downward trend in recent years is a serious risk to the business of commercial banks. The article analyses the dynamics of key rates in the economically developed countries of the world in comparison with China and the Russian Federation, based on the results of this document, the main trends and patterns were identified, the most dangerous risks for commercial banks are shown. Besides the article discusses the modern conceptual provisions of interest rate risk management in commercial banks of the Russian Federation. They form the basis for the development of constructive methods for assessing commercial risk and the formation of managerial decisions that ensure its prevention or reduction of negative consequences in the event of the implementation of risk events that determine it.

scholarly journals Determinants of Financial Sustainability of Financial Intermediaries

2021 ◽  
Vol 10 (1) ◽  
pp. 01-10
Author(s):  
Champika Liyanagamage
Keyword(s):  
Sri Lanka ◽  
Commercial Banks ◽  
Banking Sector ◽  
Banking System ◽  
Business Environment ◽  
Commercial Banking ◽  
Institutional Setting ◽  
Bank Stability ◽  
Credit Growth ◽  
Economic Implications

This paper provides interesting insights into the practices of banks and institutional setting in Sri Lanka. The sustainability and stability of banks that makes up an economy’s banking system should be sound at all time. This paper aimed at analyzing the determinants of banking sector stability in Sri Lanka. The study used a broad set of macro and bank level data covering 22 commercial banks for the period 1996-2016. The fixed effect GLS panel data model tested in this paper sets the relationship between bank stability measure; Z-score and business environment which includes bank characteristics and the elements of macro environment. The analysis of the study revealed lower level of Z-scores and thus lower level of bank stability, indicating a higher risk associated with the commercial banking sector in Sri Lanka.  From among the variables tested, strong evidence was found for a positive effect of bank efficiency on bank stability and a negative effect of credit growth on bank stability. At macro level, bank stability is promoted at a higher rate when the economy is more developed and stable. The results imply that efficiency of commercial banks needs to be further improved and regulatory and policy environment should be strengthened to manage the credit growth at the bank level. Further, it is suggestive to strengthening bank supervision and other financial infrastructure in order to ensure sustainability of the banking sector. Thus, the present paper contributes the current banking literature by unveiling the explicit and unforeseen economic implications associate with individual bank operations and macro imbalance which are particularly unique in underdeveloped countries.

scholarly journals Comparative analysis of methods for assessing the effectiveness of banking activities

2021 ◽  
Vol 12 (2) ◽  
pp. 19-28
Author(s):  
Valeriya Yu. Anisimova ◽  
Alexandr S. Komisarov
Keyword(s):  
Russian Federation ◽  
Banking Sector ◽  
Assessment System ◽  
Social Efficiency ◽  
The Public ◽  
Activity Assessment ◽  
Current State ◽  
Banking Activity ◽  
The Russian Federation ◽  
Further Development

The global economic shock associated with the consequences of COVID-19 has shown the need for further development of ways to predict changes in key performance indicators of organizations. The financial market is a particularly important segment, as the adaptation of the public sector in this area is much slower than necessary. This work reveals the theoretical aspects of the concept of efficiency of banking activity in the Russian Federation, and also gives an idea of various methods of its study. It is concluded that the use of the methods of the theoretical block in assessing the effectiveness of banking activities should be applied in the study of customer satisfaction with the activities of the organization, as well as in the study of the level of social efficiency in the structure of the organization. The article also reflects the current state of the banking sector and provides aforecast of its development for 2021. The positive and negative features of each method of assessing banking activity are presented. The final part of the article analyzes the problems faced by the banking sector and displays a list of government steps to overcome them. In the process of writing this work, its goal was achieved, namely, the methods of evaluating the effectiveness of banking activities were studied. In accordance with this goal, thefollowing tasks were solved: the concept of efficiency of banking activity was considered, the indicators of the banking sector in the Russian Federation were analyzed, the main problems for the development of the banking activity assessment system were studied, and the main methods of assessing banking activity were characterized.

scholarly journals Antitrust regulation in the market of banking services

2019 ◽  
pp. 60-67
Author(s):  
A. D. Bartsits
Keyword(s):  
Financial Market ◽  
Russian Federation ◽  
Banking Sector ◽  
Banking System ◽  
The State ◽  
Banking Services ◽  
The Russian Federation ◽  
Antitrust Regulation ◽  
And Control

The article considers the financial market as an object of antitrust regulation and control, the banking services market. The importance of conducting antimonopoly control in the banking sector is given. The state of the banking system, as well as competition in the banking services market is analyzed. The interaction of two control bodies — the FAS of the Russian Federation and the Bank of Russia is given.

scholarly journals Contradictory tendencies in banking systems of the Slovak Republic and the Russian Federation

2017 ◽  
Vol 1 (2) ◽  
pp. 108-118
Author(s):  
Simona Heseková
Keyword(s):  
European Union ◽  
Russian Federation ◽  
Banking Sector ◽  
Foreign Capital ◽  
Slovak Republic ◽  
Banking System ◽  
The European Union ◽  
European Union Law ◽  
Banking Systems ◽  
The Russian Federation

The paper analyzes the banking systems of the Slovak Republic under the influence of the European Union legislation and banking system of the Russian Federation from the perspective of opening the banking sector to foreign capital. A fundamental difference between the given legislations, which is reflected mainly in the recent period, lies in the degree of openness of the banking system to foreign capital. While the banking system of the Slovak Republic under the influence of the European Union law can be considered as highly open banking system to foreign capital, the legislation concerning the Russian banking system is characteristic by legal limitation for foreign capital entry. The analysis of these contradictory tendencies which have common goal – to ensure a stable banking system could bring important knowledge that may help in resolving the issue of stability of the banking system at the global level.

TRENDS AND WAYS OF DEVELOPING TAX CONTROL OF COMMERCIAL BANKS IN THE RUSSIAN FEDERATION

2020 ◽  
Vol 4 (11) ◽  
pp. 16-19
Author(s):  
A. M. ABDURAGIMOVA ◽  
◽  
G. A. GUL’MAGOMEDOVA ◽  
Keyword(s):  
Russian Federation ◽  
Commercial Banks ◽  
Banking Sector ◽  
Tax Administration ◽  
Present Stage ◽  
The Russian Federation ◽  
Credit Institutions

The study examines modern aspects of tax control and tax administration of credit institutions in the Russian Federation. In addition, the article provides recommendations for improving the tax control of the banking sector at the present stage.

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